If the court finds as a matter of fact that it was the
understanding of the dealer and the consumer at the time a rental
agreement for a rent-to-own transaction was made that delay in
making a payment could result in the use of violence or other
criminal means to cause harm to the person, reputation or property
of any person, the agreement of the extension of credit is
unenforceable through civil judicial process against the dealer and
the consumer, at his or her option, may rescind the agreement and
retain the goods without any obligation to pay for them.

Note: WV Code updated with legislation passed through the 2016 Regular Session
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